Fla. only has one insurance company and it’s basically the government. After Andrew (I believe) and all the loss the regular insurance companies took they baled. They hate loosing money. Some jade to be sued to get payment if I remember right. But with my memory I could be wrong.So, when does the 100yr flood start? It may have been at 99yrs and 11 months! I feel sorry for those that lost everything of importance and those who didn't have insurance of any type. Some insurance companies will not be able to handle the multi million-dollar payouts and just leave FL. many insurance companies will not insure homes in FL.